joining us now in a fox business exclusive is wells fargo advisers chief income strategist. what a year for the bond market versus stock. it's been with tough to be a bond investor in 2013. let's move ahead to 2014. how are you feeling about next year? do you think you're going to get some love back from investors? >> you know, 2013 a very tough year, but still most investors, they're well diversified, only down a percent or two, so, you know, you don't see the volatility you see on the equities side. next year looks to be a little bit better. i think we'll push total returns on the positive side because, of course, yields are higher and you get a little bit more of your return from the income or coupon side of things. but we're not going to get back to the, you know, 2009, 2011, 2012 period where you were getting high single digit, even double digit returns -- cheryl: i was going to ask you, because we were showing our viewers the ten-year, and that has been the interesting story over the last trading sessions, even today roughly 3% above the yield. if we're not under any p